In the meantime, they will apply for credit, apartments, and utilities through someone else's name.In regards to garnishing wages, unless the tenant works in a higher-paying field or for a certain company that pays more than other similar companies (doubtful), the ex-tenant is just going to leave their job and get another one, and you need to restart the process (after you find out where they are now working).

It makes sense to rent and save up that extra money to apply towards a future purchase. 

It should never be applied towards rent, repairs, or anything else.

This applies to all types of real estate.

Finally, If I'm living in the 3rd unit and plan to move out upon purchase of a new property, can they estimate the income of the 3rd unit will provide with me moving out and apply that to the property's sustainability?

I liked the older episodes with Brandon/Josh - I felt there was some really good info in there that 95% of people could use and apply.

It's best to operate like a business with standardized requirements applied to everyone equally, every time.Do yourself a favor: buy "Every Landlord's Legal Guide" by NOLO.

Now we negotiated ALL of the $60K Option Consideration funds paid to be APPLIED towards the $300K Property Purchase STRIKE PRICE.

But if you later apply to another loan and you have, say, a $0 balance on your heloc, they might look at it similarly to having balance on a credit card, which doesn't really add to your DTI.  

Be careful how you word any of this though, if you had told the tenants the adult son could apply but not his wife and daughter it could be familial status violation for fair housing.